A $69 annual fee and a 15.95% p.a. purchase rate as of 18 September 2026. The fee ranks 25th lowest of 100 cards tracked by BankMate. There is no sign-up bonus on offer.
Annual fee over time
Annual fee- Macquarie Ratesaver Card
Changes
No changes recorded for this product since tracking began on 10 September 2026.
Fees
- Annual fee
- $69
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Late payment fee
- $20
Earning
- Rewards program
- None
Interest
- Purchase rate
- 15.95% p.a.
- Cash advance rate
- 15.95% p.a.
- Interest-free days
- Up to 55
Perks
- Complimentary travel insurance
- No
- Purchase protection
- No
- Concierge
- No
- Network
- Visa
Eligibility
- Minimum income
- $50,000 a year
- Minimum credit limit
- $2,000
About this product
The Macquarie RateSaver Credit Card is designed for customers who want a credit card with a lower annual fee and/or interest rates than those that apply to rewards credit cards.